Our company wants to borrow 300,000 RMB from the bank. How much does it cost for half a year, 1 year?

The current benchmark interest rate of China People's Bank is 6. 10% for six months and 6.56% for one year. However, the actual loan interest rate of commercial banks should mostly float on the basis of the benchmark interest rate promulgated by the People's Bank of China, and the floating rate should be determined according to the credit rating of customers and business relationship with banks, but it should not be lower than the benchmark interest rate of foreign loans. Loan interest payable = actual loan amount * actual loan interest rate of commercial banks/1February * actual time of using funds. In this case, the interest payable on the loan for half a year is at least 300,000 *6.10%12 months * 6 months = 9 150 yuan; The annual loan interest is at least 300,000 * 6.56% = 19680 yuan. The principal is repaid in one lump sum, and there are not many loan procedures, which can be ignored;